All Union State Bank locations will be limited access lobby effective Monday August 10, 2020 for an undetermined time.  Drive up hours will remain the same. Please call 515-462-2161 (Winterset) , 515-440-2265 (WDM) to set an appointment with a loan officer or personal banker. Thank you for your continued support as we work to keep our employees, our clients and the communities we serve safe.    


USB offers many options to help you buy your next home or refinance your existing home. Maybe you have just enough money for a small down payment, want to save some money with a better rate, or you just want to explore the possibilities! USB is committed to helping your dream come true with quality service and competitive interest rates.

APR, Rate and payment information accurate as of September 25, 2020

                       15 YEAR        20 YEAR       30 YEAR
        APR:        2.662%          3.001%          2.964%
      RATE:        2.500%          2.875%          2.875%

* 15, 20  & 30 Year Conventional Rates - The Annual Percentage Rate (APR) is based on a loan amount of $150,000.00 with a 20% down payment, a 1% origination fee and common and customary closing costs. Monthly payments for a 15 year loan at 2.500% would be 180 payments of $1,000.18 (principal and interest). Monthly payments for a 20 year loan at 2.875% would be 240 payments of $822.54 (principal and interest). Monthly payments for a 30 year loan at 2.875% would be 360 payments of $622.32 (principal and interest). Rates are not guaranteed until lock-in. Monthly payment does not include taxes and insurance; actual payment will be greater.

Per SAFE Act (Secure & Fair Enforcement for Mortgage Licensing Act), Union State Bank's MLO (Mortgage Loan Originator) Indentifier Numbers are as follows:



Jeff Nolan, President & CEO
                  NMLS #852704

Jeff Gray, Senior VP & Loan Officer
                 NMLS #413222

Duane Gordon, VP & Loan Officer
                          NMLS #471740

 Union State Bank  NMLS #435185

Chris Coy, VP & Commercial Loan Officer 
                  NMLS #1472318

Tyler Kagemann, AVP & Mortgage Loan Officer
                 NMLS #921056